Is Kabbage still the same product I remember from 2019?

No. Kabbage was acquired by American Express in 2020 and rebranded as Amex Business Blueprint. The product is tighter on underwriting than the original Kabbage and Amex was conservative on origination during COVID. The core LOC mechanics survive but the brand and approval culture changed.

Can I have a Kabbage line and a Bluevine line at the same time?

Possible but unusual. Both report to commercial bureaus. Carrying two business LOCs simultaneously signals cash-flow stress and may hurt future underwriting at either lender. Usually pick one and use it consistently.

Which one is better if I'm a $5K/mo micro-business?

Kabbage (Amex Business Blueprint). Bluevine won't even look at you below $10K/mo. Kabbage's $3K/mo floor accepts you — and Amex's relationship with the small business segment is genuinely deep.

Kabbage (American Express Business Blueprint) vs Bluevine — honest comparison 2026

Both fund small businesses. They solve different problems. Here's the honest side-by-side, then five use-case verdicts so you don't have to guess.

The specs

Kabbage (American Express Business Blueprint)Bluevine

Product typeLOCLOC

Amount range$1K – $250K$10K – $250K

Cost (factor / APR)Monthly fee 2 – 27% (depending on term + paper); effective APR 9 – 36%APR 6.2% – 27% (LOC)

Speed to fundMinutes after approval — funds land in linked bank account same day1 – 3 business days

Min time in business12 months12 months

Min monthly revenue$3,000+/mo typical floor$10,000

Min credit score640+625+

Products

Business line of credit
Term loan via Amex Business Blueprint platform

Line of credit
Invoice factoring

Verdicts by use case

Speed of first draw — Winner: Kabbage (American Express Business Blueprint). Kabbage (Amex Business Blueprint) funds in minutes after approval — funds land in your linked bank account same day. Bluevine takes 1 – 3 business days.
Lowest cost of capital — Winner: Bluevine. Bluevine's APR range starts at 6.2% for qualifying borrowers. Kabbage's effective APR sits 9 – 36% with opaque monthly fee structure that's harder to compare.
Lowest revenue qualifying floor — Winner: Kabbage (American Express Business Blueprint). Kabbage accepts $3K/mo revenue. Bluevine wants $10K/mo. Sub-$10K/mo merchants are Kabbage-only.
Larger draw amounts — Winner: Tie. Both top out at $250K. Functionally identical at the upper bound.
Pricing transparency — Winner: Bluevine. Bluevine publishes a clean APR. Kabbage uses a monthly fee structure that's deliberately harder to compare to APR — read the schedule before accepting.

The honest takeaway

Kabbage (American Express Business Blueprint) and Bluevine solve overlapping but distinct problems. The right choice depends on three things you already know about your business: how fast you need the money, how long you've been operating, and whether the capital need is one-time or recurring.

Frequently asked questions

Is Kabbage still the same product I remember from 2019?: No. Kabbage was acquired by American Express in 2020 and rebranded as Amex Business Blueprint. The product is tighter on underwriting than the original Kabbage and Amex was conservative on origination during COVID. The core LOC mechanics survive but the brand and approval culture changed.
Can I have a Kabbage line and a Bluevine line at the same time?: Possible but unusual. Both report to commercial bureaus. Carrying two business LOCs simultaneously signals cash-flow stress and may hurt future underwriting at either lender. Usually pick one and use it consistently.
Which one is better if I'm a $5K/mo micro-business?: Kabbage (Amex Business Blueprint). Bluevine won't even look at you below $10K/mo. Kabbage's $3K/mo floor accepts you — and Amex's relationship with the small business segment is genuinely deep.